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Renovating your home? When to let your insurance agent know!

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Your home is one of the most valuable assets you own, and as such, it’s important to ensure it is adequately insured. Keeping your insurance agent informed of any updates to your home is a critical step in protecting your investment. In this blog post, we’ll explore when you need to let your insurance agent know about updates to your home.

  1. Renovations or additions to your home If you’ve made any major renovations or additions to your home, you need to let your insurance agent know. These updates may include adding a new room, updating your kitchen or bathroom, or finishing a basement. Your insurance agent needs to know about these changes so they can adjust your policy to reflect the increased value of your home. If you don’t inform your insurance agent of these updates, you risk being underinsured in case of a claim.
  2. Upgrades to your heating, electrical, or plumbing systems Any upgrades you make to your home’s heating, electrical, or plumbing systems can affect your home insurance policy. If you’ve replaced your furnace, installed a new electrical panel, or upgraded your plumbing system, your insurance agent needs to know. These upgrades can not only affect the value of your home but also impact the risk of certain types of claims, such as fire or water damage.
  3. New security features If you’ve added new security features to your home, such as a security system, deadbolts, or surveillance cameras, let your insurance agent know. These upgrades can lower the risk of theft or break-ins and may even qualify you for a discount on your insurance premiums.
  4. Changes in occupancy If your home’s occupancy has changed, your insurance agent needs to know. This includes if you’ve rented out your home, turned it into a vacation rental, or if you’re now working from home. Changes in occupancy can impact the coverage you need, and your insurance agent can help ensure you’re adequately protected.
  5. Aging or outdated features If your home has aging or outdated features, it’s important to inform your insurance agent. For example, if your home has an old roof or outdated wiring, you may need additional coverage to protect against potential claims. Your insurance agent can help you assess the risk and adjust your policy accordingly.

In conclusion, informing your insurance agent of any updates to your home is crucial to ensuring you have the right coverage. By keeping your agent informed, you can help protect your investment and be confident that you have the right insurance coverage for your needs. Remember to contact your agent when making any updates to your home, no matter how small, to ensure you’re adequately protected.

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